topic Re: Here's what I'm looking at... in Rebuilding Your Credithttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735558#M221784
<P>Thanks so much!&nbsp; I really appreciate the feedback.&nbsp; I had no idea what to do or where to start and I appreciate your taking the time to review my stuff.&nbsp; :-)</P>Thu, 06 Dec 2012 04:14:59 GMTNY_Beauty2012-12-06T04:14:59ZConfessionhttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732844#M221482
<P>I am really overwhelmed by this whole credit score and report stuff.&nbsp; I look at my CR and still can't make sense of much of it.&nbsp; Although I have a few degrees I feel like an idiot.&nbsp; I do wish I could pay someone to at least tell me what to do because I am lost.&nbsp;</P><P>&nbsp;</P><P><img class="emoticon emoticon-smileysad" id="smileysad" src="http://fico.i.lithium.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /></P><P>&nbsp;</P>Tue, 04 Dec 2012 23:18:07 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732844#M221482NY_Beauty2012-12-04T23:18:07ZRe: Confessionhttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732852#M221485
<P>Post your credit information up on the boards, but ensure you block out and personal information.&nbsp; This board has done wonders for many individuals like us.</P>Tue, 04 Dec 2012 23:20:41 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732852#M221485Davidngo2012-12-04T23:20:41ZRe: Confessionhttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732872#M221489
<BLOCKQUOTE><HR />NY_Beauty wrote:<BR /><P>I am really overwhelmed by this whole credit score and report stuff.&nbsp; I look at my CR and still can't make sense of much of it.&nbsp; Although I have a few degrees I feel like an idiot.&nbsp; I do wish I could pay someone to at least tell me what to do because I am lost.&nbsp;</P><P>&nbsp;</P><P><img class="emoticon emoticon-smileysad" id="smileysad" src="http://fico.i.lithium.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /></P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Hi and welcome to Myfico forum!</P><P>&nbsp;</P><P>Start with pulling your FREE Credit Report's from <A target="_self" href="http://annualcreditreport.com">annualcreditreport.com</A>. They tend to have more info on them than ones from a 3rd party. The Credit Reports from <A target="_self" href="http://annualcreditreport.com">annualcreditreport.com</A>, come directly from each of the CRA's. You can pull 1 Free Credit Report from TU, EQ and EX every 12 months.<BR /><BR />Save your money and Don't Buy the Scores, they are what we call FAKO's.<BR /><BR /></P><P>&nbsp;</P><P>&nbsp;</P><P>I am going to suggest that you start the journey by reading the following&nbsp;threads:&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P><P><A target="_self" href="http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-Steps-Do-I-Take-Do-I-DV-PFD/td-p/337142">What Steps Do I Take?</A></P><P>&nbsp;</P><P>&nbsp;</P><P>That will give you a great place to start!&nbsp;&nbsp; Also you want to opt out first before contacting these creditors... to opt out go to: <A target="_blank" href="http://www.optoutprescreen.com">www.optoutprescreen.com</A></P><P>&nbsp;</P><P><BR />The next advice I can give is to contact and deal with each creditor one by one. If you wake all the sleeping bears at once you may not be able to deal with them fast enough to avoid a judgment being filed. Best of luck and if you use the search function to search for each of your creditors you can see how others have dealt with them successfully in the past. Best of luck!</P>Tue, 04 Dec 2012 23:27:00 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732872#M221489webhopper2012-12-04T23:27:00ZRe: Confessionhttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732932#M221498
<P>I think most of us felt that way in the beginnng and heck I know I still do.</P><P>&nbsp;</P><P>You'll "meet" lots of nice people on here that give great advice.&nbsp;</P><P>&nbsp;</P><P>best of luck to you!</P>Tue, 04 Dec 2012 23:54:12 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732932#M221498awdsmama2012-12-04T23:54:12ZRe: Confessionhttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732968#M221502
<P>I have my reports and I "opted out".&nbsp; Tomorrow I will read the rest.&nbsp; Still feeling overwhelmed but at least I did something instead of complaining for feeling sorry for myself. In such a funk but know it could be worse.&nbsp; I will share my report...&nbsp;</P>Wed, 05 Dec 2012 00:14:43 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732968#M221502NY_Beauty2012-12-05T00:14:43ZHere's what I'm looking at...http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732992#M221503
<P>I really have to look some old checks. I am certain that I paid some of these off with the CA in 2011...&nbsp; The OC (cap one) is still reporting.</P><P>&nbsp;</P><P><STRONG>CAPITAL ONE</STRONG></P><P><STRONG>&nbsp;</STRONG></P><P><STRONG>Status: </STRONG>Closed. $1,047 written off.</P><P><STRONG>Status Details:</STRONG></P><P>This item was updated from our processing of your dispute in May 2012.</P><P><STRONG>Date Opened:</STRONG></P><P>05/2005</P><P><STRONG>Reported Since:</STRONG></P><P>06/2005</P><P><STRONG>Date of Status:</STRONG></P><P>08/2010</P><P><STRONG>Last Reported:</STRONG></P><P>08/2010</P><P><STRONG>Type:</STRONG></P><P>Credit card</P><P><STRONG>Terms:</STRONG></P><P>NA</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$500</P><P><STRONG>High Balance:</STRONG></P><P>$1,047</P><P><STRONG>Recent Balance:</STRONG></P><P>$0 as of 08/2010</P><P><STRONG>Recent Payment:</STRONG></P><P>$0</P><P><STRONG>Creditor's Statement: </STRONG>Purchased by another lender.</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>Charge Off as of Jul 2008 to Jul 2010</P><P>150 days past due as of May 2008</P><P>120 days past due as of Apr 2008</P><P>90 days past due as of Mar 2008</P><P>60 days past due as of Feb 2008, Jun 2007</P><P>30 days past due as of Jan 2008, May 2007</P><P><STRONG>&nbsp;</STRONG></P><P><STRONG>&nbsp;</STRONG></P><P><STRONG>CAPITAL ONE</STRONG></P><P><STRONG>Status: </STRONG>Account charged off. $1,011 written off. $1,798 past</P><P>due as of Dec 2012.</P><P><STRONG>Status Details: </STRONG>This account is scheduled to continue on</P><P>record until Jun 2014.</P><P>This item was updated from our processing of your dispute in</P><P>May 2012.</P><P><STRONG>Date Opened:</STRONG></P><P>04/2002</P><P><STRONG>Reported Since:</STRONG></P><P>05/2007</P><P><STRONG>Date of Status:</STRONG></P><P>04/2008</P><P><STRONG>Last Reported:</STRONG></P><P>12/2012</P><P><STRONG>Type:</STRONG></P><P>Credit card</P><P><STRONG>Terms:</STRONG></P><P>NA</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$500</P><P><STRONG>High Balance:</STRONG></P><P>$1,798</P><P><STRONG>Recent Balance:</STRONG></P><P>$1,798 as of 12/2012</P><P><STRONG>Recent Payment:</STRONG></P><P>$0</P><P><STRONG>Creditor's Statement: </STRONG>Account closed at credit grantor's</P><P>request.</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>Charge Off as of Dec 2012, Nov 2012, Oct 2012, Sep 2012,</P><P>Aug 2012, Jul 2012, Jun 2012, May 2012, Apr 2008</P><P>150 days past due as of Mar 2008</P><P>120 days past due as of Feb 2008</P><P>90 days past due as of Jan 2008</P><P>60 days past due as of Dec 2007, May 2007</P><P>30 days past due as of Nov 2007</P><P><STRONG>Balance History - </STRONG>The following data will appear in the following format:</P><P><EM>account balance / date payment received / scheduled payment amount / actual amount paid</EM></P><P>Nov 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Oct 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Sep 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Aug 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Jul 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Jun 2012: $1,798 / August 25, 2007 / no data / no data</P><P>May 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Apr 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Mar 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Feb 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Jan 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Dec 2011: $1,798 / August 25, 2007 / no data / no data</P><P>Nov 2011: $1,798 / August 25, 2007 / no data / no data</P><P>Oct 2011: $1,798 / August 25, 2007 / no data / no data</P><P>Sep 2011: $1,798 / August 25, 2007 / no data / no data</P><P>Jul 2011: $1,798 / August 25, 2007 / no data / no data</P><P>Jun 2011: $1,798 / August 25, 2007 / no data / no data</P><P>May 2011: $1,794 / August 25, 2007 / no data / no data</P><P>Apr 2011: $1,752 / August 25, 2007 / no data / no data</P><P>Mar 2011: $1,752 / August 25, 2007 / no data / no data</P><P>Feb 2011: $1,732 / August 25, 2007 / no data / no data</P><P>Jan 2011: $1,689 / August 25, 2007 / no data / no data</P><P>Dec 2010: $1,668 / August 25, 2007 / no data / no data</P><P>Between Dec 2010 and Nov 2012, your credit limit/high balance</P><P>was $500</P><P><STRONG>&nbsp;</STRONG></P><P><STRONG>CAPITAL ONE</STRONG></P><P><STRONG>Status: </STRONG>Closed. $1,850 written off. <STRONG>Status Details:</STRONG></P><P>This item was updated from our processing of your dispute in May</P><P>2011.</P><P><STRONG>Date Opened:</STRONG></P><P>11/1996</P><P><STRONG>Reported Since:</STRONG></P><P>05/2006</P><P><STRONG>Date of Status:</STRONG></P><P>06/2009</P><P><STRONG>Last Reported:</STRONG></P><P>06/2009</P><P><STRONG>Type:</STRONG></P><P>Credit card</P><P><STRONG>Terms:</STRONG></P><P>NA</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$1,400</P><P><STRONG>High Balance:</STRONG></P><P>$1,989</P><P><STRONG>Recent Balance:</STRONG></P><P>$0 as of 06/2009</P><P><STRONG>Recent Payment:</STRONG></P><P>$0</P><P><STRONG>Creditor's Statement: </STRONG>Purchased by another lender.</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>Charge Off as of Apr 2008</P><P>150 days past due as of Mar 2008</P><P>120 days past due as of Feb 2008</P><P>90 days past due as of Jan 2008</P><P>60 days past due as of Dec 2007, May 2007</P><P>30 days past due as of Nov 2007, Apr 2007</P><P><STRONG>&nbsp;</STRONG></P><P><STRONG>HSBC BANK</STRONG></P><P><STRONG>Status: </STRONG>Closed. $289 written off. <STRONG>Status Details:</STRONG></P><P>This item was updated from our processing of your dispute in Jun</P><P>2011.</P><P><STRONG>Date Opened:</STRONG></P><P>12/2005</P><P><STRONG>Reported Since:</STRONG></P><P>10/2008</P><P><STRONG>Date of Status:</STRONG></P><P>10/2008</P><P><STRONG>Last Reported:</STRONG></P><P>10/2008</P><P><STRONG>Type:</STRONG></P><P>Credit card</P><P><STRONG>Terms:</STRONG></P><P>NA</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$400</P><P><STRONG>High Balance:</STRONG></P><P>$664</P><P><STRONG>Recent Balance:</STRONG></P><P>$0 as of 10/2008</P><P><STRONG>Recent Payment:</STRONG></P><P>$0</P><P><STRONG>Your Statement:</STRONG></P><P>Completed investigation of FCRA dispute - consumer disagrees.</P><P><STRONG>Creditor's Statement: </STRONG>Purchased by another lender.</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>Charge Off as of Oct 2008</P><P><STRONG>&nbsp;</STRONG></P><P><STRONG>HSBC BANK</STRONG></P><P><STRONG>Status: </STRONG>Paid in settlement. $406 written off. <STRONG>Status Details: </STRONG>This account is scheduled to continue on</P><P>record until Dec 2014.</P><P>This item was updated from our processing of your dispute in May</P><P>2012.</P><P><STRONG>Date Opened:</STRONG></P><P>11/2003</P><P><STRONG>Reported Since:</STRONG></P><P>12/2008</P><P><STRONG>Date of Status:</STRONG></P><P>12/2008</P><P><STRONG>Last Reported:</STRONG></P><P>12/2008</P><P><STRONG>Type:</STRONG></P><P>Credit card</P><P><STRONG>Terms:</STRONG></P><P>NA</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$500</P><P><STRONG>High Balance:</STRONG></P><P>$812</P><P><STRONG>Recent Balance:</STRONG></P><P>NA</P><P><STRONG>Recent Payment:</STRONG></P><P>NA</P><P><STRONG>Your Statement:</STRONG></P><P>Completed investigation of FCRA dispute - consumer disagrees.</P><P><STRONG>Creditor's Statement: </STRONG>Account legally paid in full for less than</P><P>full balance.</P><P><STRONG>Account History:</STRONG></P><P>Charge Off as of Dec 2008</P><P><STRONG>&nbsp;</STRONG></P><P><STRONG>SALLIE MAE</STRONG></P><P><STRONG>Status: </STRONG>Paid,Closed. <STRONG>Status Details:</STRONG></P><P>This item was updated from our processing of your dispute in</P><P>May 2012.</P><P><STRONG>Date Opened:</STRONG></P><P>11/2005</P><P><STRONG>Reported Since:</STRONG></P><P>12/2005</P><P><STRONG>Date of Status:</STRONG></P><P>11/2011</P><P><STRONG>Last Reported:</STRONG></P><P>11/2011</P><P><STRONG>Type:</STRONG></P><P>Education</P><P><STRONG>Terms:</STRONG></P><P>360 Months</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$10,730</P><P><STRONG>High Balance:</STRONG></P><P>NA</P><P><STRONG>Recent Balance:</STRONG></P><P>NA</P><P><STRONG>Recent Payment:</STRONG></P><P>NA</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>180 days past due as of Sep 2008, Sep 2007 to Dec 2007</P><P>150 days past due as of Aug 2008, Aug 2007</P><P>120 days past due as of Jul 2010, Jul 2008, Jul 2007, May 2006</P><P>90 days past due as of Jun 2010, Jun 2008, Jun 2007, Apr</P><P>2006</P><P>The original amount of this account was $10,730</P><P>&nbsp;</P><P><STRONG>THE BUREAUS INC</STRONG></P><P><STRONG>Original Creditor:</STRONG></P><P>HSBC CARD SERVICES INC.</P><P><STRONG>Status: </STRONG>Collection account. $600 past due as of Jun 2012. <STRONG>Status Details: </STRONG>This account is scheduled to continue on</P><P>record until Dec 2014.</P><P>This item was updated from our processing of your dispute in Jun</P><P>2012.</P><P><STRONG>Date Opened:</STRONG></P><P>10/2008</P><P><STRONG>Reported Since:</STRONG></P><P>06/2012</P><P><STRONG>Date of Status:</STRONG></P><P>06/2012</P><P><STRONG>Last Reported:</STRONG></P><P>06/2012</P><P><STRONG>Type:</STRONG></P><P>Collection</P><P><STRONG>Terms:</STRONG></P><P>1 Months</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$600</P><P><STRONG>High Balance:</STRONG></P><P>NA</P><P><STRONG>Recent Balance:</STRONG></P><P>$859 as of 06/2012</P><P><STRONG>Recent Payment:</STRONG></P><P>$0</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>Collection as of Jun 2012</P>Wed, 05 Dec 2012 00:28:40 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1732992#M221503NY_Beauty2012-12-05T00:28:40ZRe: Here's what I'm looking at...http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1733426#M221551
<P>the OC still has the right (And in some capacity the obligation) to continue to report the charged off account(s) for 7 years after the date of first delinquency. Payment Itself will not delete the account entirely. I'm on the iPad at the moment for longer posts are maddening, but when I'm at my computer tomorrow morning I can go into more detail. Though I'm sure someone else will beat me to it by then</P>Wed, 05 Dec 2012 03:45:37 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1733426#M221551Jutz2012-12-05T03:45:37ZRe: Here's what I'm looking at...http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1734128#M221631
<P>No one beat you yet.&nbsp; Looking forward to your feedback. <img class="emoticon emoticon-smileyhappy" id="smileyhappy" src="http://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P>Wed, 05 Dec 2012 16:54:21 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1734128#M221631NY_Beauty2012-12-05T16:54:21ZRe: Here's what I'm looking at...http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735464#M221766
<BLOCKQUOTE><HR />NY_Beauty wrote:<BR /><P>I really have to look some old checks. I am certain that I paid some of these off with the CA in 2011...&nbsp; The OC (cap one) is still reporting.</P><P>&nbsp;</P><P><STRONG>CAPITAL ONE</STRONG></P><P><STRONG>&nbsp;</STRONG></P><P><STRONG>Status: </STRONG>Closed. $1,047 written off.</P><P><STRONG>Status Details:</STRONG></P><P>This item was updated from our processing of your dispute in May 2012.</P><P><STRONG>Date Opened:</STRONG></P><P>05/2005</P><P><STRONG>Reported Since:</STRONG></P><P>06/2005</P><P><STRONG>Date of Status:</STRONG></P><P>08/2010</P><P><STRONG>Last Reported:</STRONG></P><P>08/2010</P><P><STRONG>Type:</STRONG></P><P>Credit card</P><P><STRONG>Terms:</STRONG></P><P>NA</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$500</P><P><STRONG>High Balance:</STRONG></P><P>$1,047</P><P><STRONG>Recent Balance:</STRONG></P><P>$0 as of 08/2010</P><P><STRONG>Recent Payment:</STRONG></P><P>$0</P><P><STRONG>Creditor's Statement: </STRONG>Purchased by another lender.</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>Charge Off as of Jul 2008 to Jul 2010</P><P>150 days past due as of May 2008</P><P>120 days past due as of Apr 2008</P><P>90 days past due as of Mar 2008</P><P>60 days past due as of Feb 2008, Jun 2007</P><P>30 days past due as of Jan 2008, May 2007</P><P><STRONG>&nbsp;<FONT color="#0000FF">This one has a zero balance, nothing owed to them at this time. &nbsp;Did you pay it or did they sell to CA? &nbsp;Either way, send a GW.</FONT></STRONG></P><P><STRONG>&nbsp;</STRONG></P><P><STRONG>CAPITAL ONE</STRONG></P><P><STRONG>Status: </STRONG>Account charged off. $1,011 written off. $1,798 past</P><P>due as of Dec 2012.</P><P><STRONG>Status Details: </STRONG>This account is scheduled to continue on</P><P>record until Jun 2014.</P><P>This item was updated from our processing of your dispute in</P><P>May 2012.</P><P><STRONG>Date Opened:</STRONG></P><P>04/2002</P><P><STRONG>Reported Since:</STRONG></P><P>05/2007</P><P><STRONG>Date of Status:</STRONG></P><P>04/2008</P><P><STRONG>Last Reported:</STRONG></P><P>12/2012</P><P><STRONG>Type:</STRONG></P><P>Credit card</P><P><STRONG>Terms:</STRONG></P><P>NA</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$500</P><P><STRONG>High Balance:</STRONG></P><P>$1,798</P><P><STRONG>Recent Balance:</STRONG></P><P>$1,798 as of 12/2012</P><P><STRONG>Recent Payment:</STRONG></P><P>$0</P><P><STRONG>Creditor's Statement: </STRONG>Account closed at credit grantor's</P><P>request.</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>Charge Off as of Dec 2012, Nov 2012, Oct 2012, Sep 2012,</P><P>Aug 2012, Jul 2012, Jun 2012, May 2012, Apr 2008</P><P>150 days past due as of Mar 2008</P><P>120 days past due as of Feb 2008</P><P>90 days past due as of Jan 2008</P><P>60 days past due as of Dec 2007, May 2007</P><P>30 days past due as of Nov 2007</P><P><STRONG>Balance History - </STRONG>The following data will appear in the following format:</P><P><EM>account balance / date payment received / scheduled payment amount / actual amount paid</EM></P><P>Nov 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Oct 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Sep 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Aug 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Jul 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Jun 2012: $1,798 / August 25, 2007 / no data / no data</P><P>May 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Apr 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Mar 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Feb 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Jan 2012: $1,798 / August 25, 2007 / no data / no data</P><P>Dec 2011: $1,798 / August 25, 2007 / no data / no data</P><P>Nov 2011: $1,798 / August 25, 2007 / no data / no data</P><P>Oct 2011: $1,798 / August 25, 2007 / no data / no data</P><P>Sep 2011: $1,798 / August 25, 2007 / no data / no data</P><P>Jul 2011: $1,798 / August 25, 2007 / no data / no data</P><P>Jun 2011: $1,798 / August 25, 2007 / no data / no data</P><P>May 2011: $1,794 / August 25, 2007 / no data / no data</P><P>Apr 2011: $1,752 / August 25, 2007 / no data / no data</P><P>Mar 2011: $1,752 / August 25, 2007 / no data / no data</P><P>Feb 2011: $1,732 / August 25, 2007 / no data / no data</P><P>Jan 2011: $1,689 / August 25, 2007 / no data / no data</P><P>Dec 2010: $1,668 / August 25, 2007 / no data / no data</P><P>Between Dec 2010 and Nov 2012, your credit limit/high balance</P><P>was $500</P><P><STRONG>&nbsp;<FONT color="#0000FF">It's got about a year and a half left to report. &nbsp;It show a balance, maybe a PFD if you can afford that. &nbsp;Is it past the SOL?</FONT></STRONG></P><P><STRONG><FONT color="#0000FF">&nbsp;</FONT></STRONG></P><P><STRONG>CAPITAL ONE</STRONG></P><P><STRONG>Status: </STRONG>Closed. $1,850 written off. <STRONG>Status Details:</STRONG></P><P>This item was updated from our processing of your dispute in May</P><P>2011.</P><P><STRONG>Date Opened:</STRONG></P><P>11/1996</P><P><STRONG>Reported Since:</STRONG></P><P>05/2006</P><P><STRONG>Date of Status:</STRONG></P><P>06/2009</P><P><STRONG>Last Reported:</STRONG></P><P>06/2009</P><P><STRONG>Type:</STRONG></P><P>Credit card</P><P><STRONG>Terms:</STRONG></P><P>NA</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$1,400</P><P><STRONG>High Balance:</STRONG></P><P>$1,989</P><P><STRONG>Recent Balance:</STRONG></P><P>$0 as of 06/2009</P><P><STRONG>Recent Payment:</STRONG></P><P>$0</P><P><STRONG>Creditor's Statement: </STRONG>Purchased by another lender.</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>Charge Off as of Apr 2008</P><P>150 days past due as of Mar 2008</P><P>120 days past due as of Feb 2008</P><P>90 days past due as of Jan 2008</P><P>60 days past due as of Dec 2007, May 2007</P><P>30 days past due as of Nov 2007, Apr 2007</P><P><STRONG>&nbsp;<FONT color="#0000FF">3 1/2 years since the DOFD. &nbsp;It still carries a balance. &nbsp;PFD if possible. &nbsp;May still be in the SOL, save up the money before dealing with them, in case they decide to take you to court.</FONT></STRONG></P><P><STRONG><FONT color="#0000FF">&nbsp;</FONT></STRONG></P><P><STRONG>HSBC BANK</STRONG></P><P><STRONG>Status: </STRONG>Closed. $289 written off. <STRONG>Status Details:</STRONG></P><P>This item was updated from our processing of your dispute in Jun</P><P>2011.</P><P><STRONG>Date Opened:</STRONG></P><P>12/2005</P><P><STRONG>Reported Since:</STRONG></P><P>10/2008</P><P><STRONG>Date of Status:</STRONG></P><P>10/2008</P><P><STRONG>Last Reported:</STRONG></P><P>10/2008</P><P><STRONG>Type:</STRONG></P><P>Credit card</P><P><STRONG>Terms:</STRONG></P><P>NA</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$400</P><P><STRONG>High Balance:</STRONG></P><P>$664</P><P><STRONG>Recent Balance:</STRONG></P><P>$0 as of 10/2008</P><P><STRONG>Recent Payment:</STRONG></P><P>$0</P><P><STRONG>Your Statement:</STRONG></P><P>Completed investigation of FCRA dispute - consumer disagrees.</P><P><STRONG>Creditor's Statement: </STRONG>Purchased by another lender.</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>Charge Off as of Oct 2008</P><P><STRONG>&nbsp;<FONT color="#0000FF">Sold to CA, GW them.</FONT></STRONG></P><P><STRONG><FONT color="#0000FF">&nbsp;</FONT></STRONG></P><P><STRONG>HSBC BANK</STRONG></P><P><STRONG>Status: </STRONG>Paid in settlement. $406 written off. <STRONG>Status Details: </STRONG>This account is scheduled to continue on</P><P>record until Dec 2014.</P><P>This item was updated from our processing of your dispute in May</P><P>2012.</P><P><STRONG>Date Opened:</STRONG></P><P>11/2003</P><P><STRONG>Reported Since:</STRONG></P><P>12/2008</P><P><STRONG>Date of Status:</STRONG></P><P>12/2008</P><P><STRONG>Last Reported:</STRONG></P><P>12/2008</P><P><STRONG>Type:</STRONG></P><P>Credit card</P><P><STRONG>Terms:</STRONG></P><P>NA</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$500</P><P><STRONG>High Balance:</STRONG></P><P>$812</P><P><STRONG>Recent Balance:</STRONG></P><P>NA</P><P><STRONG>Recent Payment:</STRONG></P><P>NA</P><P><STRONG>Your Statement:</STRONG></P><P>Completed investigation of FCRA dispute - consumer disagrees.</P><P><STRONG>Creditor's Statement: </STRONG>Account legally paid in full for less than</P><P>full balance.</P><P><STRONG>Account History:</STRONG></P><P>Charge Off as of Dec 2008</P><P><STRONG>&nbsp;<FONT color="#0000FF">Paid account, send GWs</FONT></STRONG></P><P><STRONG>SALLIE MAE</STRONG></P><P><STRONG>Status: </STRONG>Paid,Closed. <STRONG>Status Details:</STRONG></P><P>This item was updated from our processing of your dispute in</P><P>May 2012.</P><P><STRONG>Date Opened:</STRONG></P><P>11/2005</P><P><STRONG>Reported Since:</STRONG></P><P>12/2005</P><P><STRONG>Date of Status:</STRONG></P><P>11/2011</P><P><STRONG>Last Reported:</STRONG></P><P>11/2011</P><P><STRONG>Type:</STRONG></P><P>Education</P><P><STRONG>Terms:</STRONG></P><P>360 Months</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$10,730</P><P><STRONG>High Balance:</STRONG></P><P>NA</P><P><STRONG>Recent Balance:</STRONG></P><P>NA</P><P><STRONG>Recent Payment:</STRONG></P><P>NA</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>180 days past due as of Sep 2008, Sep 2007 to Dec 2007</P><P>150 days past due as of Aug 2008, Aug 2007</P><P>120 days past due as of Jul 2010, Jul 2008, Jul 2007, May 2006</P><P>90 days past due as of Jun 2010, Jun 2008, Jun 2007, Apr</P><P>2006</P><P>The original amount of this account was $10,730</P><P><STRONG>&nbsp;<FONT color="#0000FF">Paid, start the GW process</FONT></STRONG></P><P><STRONG><FONT color="#0000FF">&nbsp;</FONT></STRONG></P><P><STRONG>THE BUREAUS INC</STRONG></P><P><STRONG>Original Creditor:</STRONG></P><P>HSBC CARD SERVICES INC.</P><P><STRONG>Status: </STRONG>Collection account. $600 past due as of Jun 2012. <STRONG>Status Details: </STRONG>This account is scheduled to continue on</P><P>record until Dec 2014.</P><P>This item was updated from our processing of your dispute in Jun</P><P>2012.</P><P><STRONG>Date Opened:</STRONG></P><P>10/2008</P><P><STRONG>Reported Since:</STRONG></P><P>06/2012</P><P><STRONG>Date of Status:</STRONG></P><P>06/2012</P><P><STRONG>Last Reported:</STRONG></P><P>06/2012</P><P><STRONG>Type:</STRONG></P><P>Collection</P><P><STRONG>Terms:</STRONG></P><P>1 Months</P><P><STRONG>Monthly Payment:</STRONG></P><P>$0</P><P><STRONG>Responsibility:</STRONG></P><P>Individual</P><P><STRONG>Credit Limit/Original Amount:</STRONG></P><P>$600</P><P><STRONG>High Balance:</STRONG></P><P>NA</P><P><STRONG>Recent Balance:</STRONG></P><P>$859 as of 06/2012</P><P><STRONG>Recent Payment:</STRONG></P><P>$0</P><P><STRONG>Payment History:</STRONG></P><P><STRONG>Account History:</STRONG></P><P>Collection as of Jun 2012</P><P><STRONG><FONT color="#0000FF">It's over 5 years old, may be past the SOL, would try for PFD if you could.</FONT></STRONG></P></BLOCKQUOTE><BLOCKQUOTE>Overall, you're not in that bad of shape, nothing that can't be approved on. &nbsp;Now you should take and tackle these. &nbsp;Start with the CA and the GWs, save up for the Cap1 accounts. &nbsp;This can be done!!!!</BLOCKQUOTE><P>&nbsp;</P>Thu, 06 Dec 2012 03:45:10 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735464#M221766Shogun2012-12-06T03:45:10ZRe: Here's what I'm looking at...http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735558#M221784
<P>Thanks so much!&nbsp; I really appreciate the feedback.&nbsp; I had no idea what to do or where to start and I appreciate your taking the time to review my stuff.&nbsp; :-)</P>Thu, 06 Dec 2012 04:14:59 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735558#M221784NY_Beauty2012-12-06T04:14:59ZRe: Confessionhttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735566#M221786
@Shogun: Whats your experience in GWing CO accounts that are unpaid. Example being the HSBC account you advised her to GW. I have a few of these but figured if they are unpaid and were sold to CA, no sense asking for a GW, right?Thu, 06 Dec 2012 04:19:45 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735566#M221786KevinBlock552012-12-06T04:19:45ZRe: Here's what I'm looking at...http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735576#M221788
Shogun is the best and I agree with everything he posted... This too shall pass! Good luck as you start the process. I find it easy to set a goal such as sending one GW per week or something similar. I have a reminder that pops up every 3 months that says to try again for getting stuff removed. At my stage its not hurting that much but I would love to have a completely clean report. Good luck to you.Thu, 06 Dec 2012 04:23:43 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735576#M221788webhopper2012-12-06T04:23:43ZRe: Confessionhttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735590#M221791
<P>If the account was sold to the CA, such as the case of HSBC in this case. &nbsp;The OC does not care nor will they most likely ever know if it is paid or not. &nbsp;As far as they are concerned, they've sold it, they're done with it. &nbsp;Seeing as this is the case, there's absolutely no harm in trying a GW. &nbsp;</P>Thu, 06 Dec 2012 04:28:03 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735590#M221791Shogun2012-12-06T04:28:03ZRe: Confessionhttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735726#M221808
Well I am gonna send out a SLEW of GWs tomorrow then lolThu, 06 Dec 2012 05:58:30 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Confession/m-p/1735726#M221808KevinBlock552012-12-06T05:58:30Z